Am I limited to buying an existing Home with a VA Loan

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Am I limited to buying an existing Home with a VA Loan

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A VA home loan has more flexibility than you might think. While many use this benefit to purchase existing homes, there are many other applications. Did you know a VA home loan may be used to purchase and improve a home at the same time? You may also use a VA loan to improve your existing home by increasing energy efficiency. There is also a provision for people to use a VA loan to purchase a manufactured home and lot, under the right conditions. One great feature is the One Time Close Construction Loan (OTC) which allows you to purchase land and build the home of your dreams with one loan, one closing AND $0 down payment! There are many applications for a VA home loan, sometimes all you need to do is ask!

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FHA Loans

An FHA loan is popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. Borrowers credit score can be between 500 – 579 if a 10% down payment is made. Contact us today to get the process started!

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USDA Loans

A USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural and suburban areas can get through the USDA Loan Program and they have great interest rates to go with the. Contact us today to get the process started!

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VA Loans

The VA loan allows veterans a great loan option by using their VA benefits and come with 0% down payment and no private mortgage insurance (PMI). Interest rates are typically lower than other mortgage programs and the VA will allow higher debt..

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